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My Mum’s Care home fees
Hello everyone, I’m a newbie to this forum and to be honest forums in general. So I’ll cut to the chase. I need to pay for mums monthly care home fees and am at a loss how best to proceed to raise the funds. The situation:- Mum bought a bungalow with proceeds of sale of her home half of which was left to me by my dad (I’m…
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Klarna 24 month contract on purchase
Hello all, I have a question that I hope someone can shed some light on regarding a purchase I made via Klarna for a piece of office equipment. Below I will give a brief outline with my question. At the point of purchase I decide to spread the cost of the item with a 24 month contract term, I intended to make a large down…
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Salary sacrifice - Student maintenance loan
Hi, I paid into a pension via salary sacrifice. If my child applies for a maintenance student loan, then do I have to declare the money put into salary sacrifice pension? thank you for any help
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HELP! TFS Loans and conduct post administration
Sorry if this has been asked before but desperate measures .. I (stupidly) took out a loan in 2016 and topped up in 2017 with total borrowed £5500 - plus their insane interest. I put in a mis-sold loan complaint in Oct 2020 which was rejected and went to FOS. An adjudicator agreed and returned report to TFS who still…
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student loan dept that has gone to county court
I
applied for my first year at Kingston University upon themes in 2021 during the
applying season. Whilst applying for student finance England to fund my first
year of studies I accidentally chose the wrong year. Instead of applying for
the academic year of 2021/2022, I applied for the year 2020/2021. I didn’t notice my…
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Selling of Debt
I have a couple of old debts, i was paying them through Stepchange but i did not update my budget in time so Stepchange cancelled on me and the companies were not receiving the payments i was sending. Stepchange started refunding my direct debits. It seems that now the bank has sold my debt as i am getting letters from…
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My husband wants to take a loan against our house. Can hexfo this without my permission?
My husband and I both own our house. No mortgage outstanding. Both our names are on the house ownership. He told me that he is going to ask for a loan against the house, but I am against him doing this. He is 100% certain that he can do this without my permission and he said he has already started this process. Is he able…
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Loans for studying abroad?
Does anyone know of any loans or schemes available for funding international studies in Europe? It would be around £80-90k minimum. Would need a few years after my degree ends to pay it off, so it can't be under 5 years pay off. Any advice would be greatly appreciated.
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NHS Fleet Solutions ending lease early.
Hi, I need to know where I stand on ending our 3 year lease early with NHS Fleet Solutions. The situation is as follows, my partner works for the NHS and a University (0.5 FTE for each). This is fairly normal in her field. She has accepted a job offer at a different university which will be a considerably longer commute.…
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Secure loan but mature student low income however do get £15000 year in student loan and bursary
Hi I am in need of an answer as I am looking for a secure loan to consolidate some debts which will reduce my monthly outgoings by £450-£500 a month, I am however classed as a FT Masters student I do get NHS bursary and Student loan of £15000 on top of earning via PT work (£800-1220) a month my mortgage is £905 a month,…
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Loan to son payed back!
Hello, 4.5 years ago my wife and I obtained a loan for £25k to help our son buy out his ex-girlfriend from the house he was living in and to help him buy the house. He has now just sold his house and will be paying us back the money. where do I stand with the £25k with tax? I am a 40% tax earner and my wife a homemaker, is…
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Paypal 3 is no longer allowed
I have been with PayPal for well over 15 years. I have never defaulted and have a tendency to pay in advance/early. Out of the blue, I suddenly find myself no longer having access to Pay in 3 for no reason at all. My credit rating is very good, I am not a criminal, I am a British resident etc etc. I meet the criteria which…
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Salary Finance - poor credit score
I'm considering applying for a loan with Salary Finance who work with my employer. They say they have higher acceptance rates, but my credit score is rated "very poor" at 495 with TransUnion which is the referencing agency that Salary Finance use. I've recently had quite a good increase in salary after moving jobs and it…
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Notice of default and notice of default sums
Hi, Hope you can help me in specifying exactly what is going on. I have some car insurance with Admiral, setup in March. I have paid the car insurance successfully monthly, until the next payment due date which was the 04/05 - in which the payment was unsuccessful because I had moved a sum of money to a savings account and…
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Beware of Barclays Partner Finance
I bought a bathroom, paid 50% at the time and took the other 50% on credit. This was with BPF. It was 0% interest for the first year. I paid it off, with just over a week to go. I phoned them after the weekend to see if they had received the money - the man confirmed they had. Logged into my banking app today for something…
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car finance for a Tesla Y
I am seeking advice on the legitimacy of an agreement I have for a new Tesla Y bought in December 2022. It is a Non-Regulated Hire Purchase Agreement. The terms of the finance are as follows: £53,181.00 was borrowed to be settled by 48 monthly payments of £928.63 with a 49th payment (the so-called balloon) of £24,210.00.…
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Loan repayment terms, what does this mean?
I'm helping someone reduce their loan but it has the following clause. we're likely to reduce it from £6k to £3k now, does that mean we can't pay the whole lot off in a few months's time? 'you'll still need to make a monthly repayment paying more will reduces the size of your the amount of interest you pay and the cost of…
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Short loans in a trust deed
Hi Please dont judge me. So im in a Scottish trust deed and my car engine has just went bang. I don’t have the amount to fix this and I have no one around me to ask for help. Does anyone have any idea where I could borrow money from short term? Or no of any overdraft options? I have tried my bank, I really don’t want to…
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Advice needed for a friend's loan
Dear friends, A friend of mine came to UK in 2011 as a student and he borrowed some money around 2000 GBP from his bank in 2013 for his marriage. He also used about 700 GBP of his credit card. He went back to his country and unfortunately never got a chance to come back due to some financial issues. Now in 2024 he has come…
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best options for a newly employed
Hi I am planning to apply for a loan roughly between £8000-10000 and the need is quite personal is to cover my family member visa fees and their hospital bills. I will have been in full time employment with the same employer for 6 months in September. Before that however I was freelancing job hoping and my bank account was…
